Who To Talk To About Investing


Main Asset Classes For Investment: Stocks Bonds Real Estate

Let’s Talk Investing & Stocks! Everything Money & Learn to Invest

Anthony Battle is a CERTIFIED FINANCIAL PLANNER professional. He earned the Chartered Financial Consultant® designation for advanced financial planning, the Chartered Life Underwriter® designation for advanced insurance specialization, the Accredited Financial Counselor® for Financial Counseling and both the Retirement Income Certified Professional®, and Certified Retirement Counselor designations for advance retirement planning.

In most cases, the best way to begin investing is to decide which asset classes you want to own. There are three to choose from: real estate, stocks, and fixed income . Each has its own risks, opportunities, and tax rules. While building a complete portfolio might seem complex, the dividends, interest, and rents can be worth it.

You will tend to lean toward asset classes based on what you know and need at that time. When your life changes and as you age, your needs change. You’ll go from needing growth to needing a stable income. Different types of assets can meet these changing needs.

Learn about the three classes to help you decide how to begin investing and saving.

The Best Investing Advice For Beginners

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Taking the first steps and getting started investing is the hardest thing to do. There’s fear. There’s the unknown. There’s the idea that millions of other people know more than you and you’ll get taken advantage of.

Stuart Ritter, Vice PresidentJason Hull, CTO

Stock Trading Courses For Beginners

Do you have a better grasp on how to invest your money?

A good investor never stops learning. Learning more about investing will give you the best possible chance at succeeding as an investor and reaching your goals.Continue on to the next chapter for a great Guide to Stock Market Investments.

If youd like to learn more about how this strategy can help grow your wealth and shape your future, I invite you to join me at my Free Investing Webinar.

Stock trading courses that are designed for beginner investors, such as this one, are able to teach you important things you need to know about the stock market, how to choose quality companies, when to buy and when to sell, and much more.

They are designed to thoroughly walk you through the process of investing one step at a time, teaching you investment strategies and how to apply them in a much more efficient way than the bombardment of sometimes confusing and contradicting information you will be able to find online.

So, why dont you join me? In this 45 minute session, Ill share how I got started investing and teach you the simple steps I learned that have changed everything.

Now go play.

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NerdWallet, Inc. is an independent publisher and comparison service, not an investment advisor. Its articles, interactive tools and other content are provided to you for free, as self-help tools and for informational purposes only. They are not intended to provide investment advice. NerdWallet does not and cannot guarantee the accuracy or applicability of any information in regard to your individual circumstances. Examples are hypothetical, and we encourage you to seek personalized advice from qualified professionals regarding specific investment issues. Our estimates are based on past market performance, and past performance is not a guarantee of future performance.

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How Does Investing Work


In the most straightforward sense, investing works when you buy an asset at a low price and sell it at a higher price. This kind of return on your investment called a capital gain. Earning returns by selling assets for a profitor realizing your capital gainsis one way to make money investing.

When an investment gains in value between when you buy it and you sell it, its also known as appreciation.

  • A can appreciate when a company creates a hot new product that boosts sales, increases the companys revenues and raises the stocks value on the market.
  • A corporate bond could appreciate when it pays 5% annual interest and the same company issues new bonds that only offer 4% interest, making yours more desirable.
  • A commodity like gold might appreciate because the U.S. Dollar loses value, driving up demand for gold.
  • A home or condo might appreciate in value because you renovated the property, or because the neighborhood became more desirable for young families with kids.

In addition to profits from capital gains and appreciation, investing works when you buy and hold assets that generate income. Instead of realizing capital gains by selling an asset, the goal of income investing is to buy assets that generate cash flow over time and hold on to them without selling.

Many stocks pay dividends, for example. Instead of buying and selling stocks, dividend investors hold stocks and profit from the dividend income.

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What’s The Expected Rate Of Return

Angel and venture capital investments are often fueled by a desire to help entrepreneurs succeed, but the possibility of making money is also part of the appeal. Analyzing the potential return on investment associated with a particular startup is a must for investors who are focused on maximizing earnings. Again, returns depend on the type of investment involved.

For an angel investor, it’s typical to anticipate an annual return in the 30% to 40% range. Venture capitalists, on the other hand, assume a higher degree of risk which translates to a higher expected rate of return. Equity crowdfunding is an equally high-risk investment strategy and because it’s still relatively new, pinning down an average rate of return is difficult.

When estimating returns, take care not to overlook any fees or costs associated with the investment. For example, there may be annual management fees related to a venture capital investment. Crowdfunding platforms also charge investors a fee to use their services. The higher the expense associated with a particular investment, the more returns are diminished.

Review Their Investments Together

Investing is a long-term endeavor, but teach your young one not to take an entirely set-it-and-forget-it approach. As they get older and actually start investing in various assets, schedule a time once per month or quarter to sit down together and review their investments.

Doing this will help prepare them for market ups and downs. You can talk through their feelings or worries with them when their investments lose value, as well as talk about how the overall economy will affect their portfolio. The good news is that theyll generally eventually see their investments rebound, which is another learning opportunity for them.

Also Check: The Motley Fool Investment Guide

How To Talk To Investors

One of the most nerve wracking things an Entrepreneur can go through is the moment it comes to talking to investors. Chances are that Entrepreneur has been preparing for fundraising for 12-24 months. This is the moment it all comes down to for you, the Entrepreneurand thenyou screw it up. Well, dont feel bad. This has happened to me plenty of times.

But why do you screw it up? After all, youve read all the best pitching books. In my opinion, its because the pitch books are wrong. To me, everyone seems to be missing the most important piecethe piece that comes long before pitching: trust & relationship building. Its about knowing who your investor is, how to relate to him/her, and how to talk to your investor.

The key to all this is to rememberinvestors are just ordinary people.

So how do you talk to investors?

Different types of investors have different types of communication preferencesbut I see a common communication style that resonates with most of them. And ironically, youll see two very different styles come from the same investor.

The investor has two modes: get sh*t done, and lets have some fun .

Be Blunt

I believe a lot of investors are naturally intuitive peopledepending on the type of investor. Talk to investors with a clear, blunt tone. But gently. Being blunt is important to get to the root of the problem..quickly. Its just honest, clear, direct answers.

Be Transparent

Articulate Traction

Ask About Them

Let an Investor Come to You

Be Understanding

How To Choose A Financial Advisor

HOW TO TALK TO SELLERS | Real Estate Wholesaling | Investing | Script – Leads Part 2 – Calls

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list ofour partnersandhere’s how we make money.

The investing information provided on this page is for educational purposes only. NerdWallet does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks or securities.

  • 4. Vet the financial advisor’s background
  • Financial advisors help people manage their money and reach their financial goals. They can provide a range of financial planning services, from investment management to budgeting guidance to estate planning. The advisor you choose will depend on your financial situation and your needs.

    Picking the right financial advisor for your situation is key doing so means you won’t end up paying for services you don’t need, or working with an advisor who isn’t a good fit for your financial goals.

    We recommend following this process to choose a financial advisor.

    Recommended Reading: How Soon Can You Refinance An Investment Property

    How Can I Start Investing

    Getting started with investing is relatively simple, and you dont need to have a ton of cash either. Heres how to figure out which kind of beginner investment account is right for you:

    • If you have a little bit of money to start an account but dont want the burden of picking and choosing investments, you might start investing with a robo-advisor. These are automated investing platforms that help you invest your money in pre-made, diversified portfolios, customized for your risk tolerance and financial goals.
    • If youd prefer hands-on research and choosing your individual investments, you might prefer to open an online brokerage account and hand-pick your own investments. If youre a beginner, remember the easy diversification that mutual funds and ETFs offer.
    • If youd prefer a hands-off approach to investing, with extra help from a professional, talk to a financial advisor that works with new investors. With a financial advisor, you can build a relationship with a trusted professional who understands your goals and can help you both choose and manage your investments over time.

    Regardless of how you choose to start investing, keep in mind that investing is a long-term endeavor and that youll reap the greatest benefits by consistently investing over time. That means sticking with an investment strategy whether markets are up or down.

    Ask How Your Financial Adviser Is Paid

    Most financial advisers are paid by a company to sell their products, which is common practice. Financial advisers are required to tell you about any commissions or bonuses they get. Feel free to ask.

    When they are paid by a company to sell, the adviser has a conflict of interest. They might, for example, be more focused on selling and less on whether what theyre selling is right for you. When there is a conflict though, financial advisers are required to tell you up front and put your interests above theirs.

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    Look At Companies That Excel At Talking To Investors

    Some entrepreneurs have a real knack for talking to investors. They can encapsulate their vision in a few sentences and present a sound business plan. For inspiration, consider some of these examples of companies that have done an excellent job of talking to investors.

    How you speak and what you say to investors has the power to persuade or repel them. Thats why its important to rehearse what you want to say and think carefully about how you frame your pitch. When you begin talking directly to investors, avoid making cold calls. Leverage your network to connect with investors with whom you have mutual acquaintances. This strategy gives you an advantage over an entrepreneur who is talking to investors to whom he or she has no connection.

    How To Start Investing: A Guide For Beginners

    How To Talk To Sellers

    Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list ofour partnersandhere’s how we make money.

    The investing information provided on this page is for educational purposes only. NerdWallet does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks or securities.

  • Pick an investment strategy
  • Rent, utility bills, debt payments and groceries might seem like all you can afford when you’re just starting out. But once you’ve mastered budgeting for those monthly expenses , it’s time to start investing. The tricky part is figuring out what to invest in and how much.

    As a newbie to the world of investing, you’ll have a lot of questions, not the least of which is: How do I get started, and what are the best investment strategies for beginners? Our guide will answer those questions and more.

    Here’s what you should know to start investing.

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    Understand The Basics Of Investing The Different Assets You Could Invest In And Read Our Expert Investment Platform Reviews

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    Compare Costs And Features

    The majority of online stock brokers have eliminated trading commissions, so most are on a level playing field as far as costs are concerned.

    However, there are several other big differences. For example, some brokers offer customers a variety of educational tools, access to investment research, and other features that are especially useful for newer investors. Others offer the ability to trade on foreign stock exchanges. And some have physical branch networks, which can be nice if you want face-to-face investment guidance.

    There’s also the user-friendliness and functionality of the broker’s trading platform. I’ve used quite a few of them and can tell you firsthand that some are far more “clunky” than others. Many will let you try a demo version before committing any money, and if that’s the case, I highly recommend it.

    Read Also: Difference Between Broker Dealer And Investment Advisor

    Real Estate Investing Basics

    Theres an entire genre of TV shows that make it appear as though buying and flipping real estate is the modern equivalent of alchemy. You’d think just about everyone has the amazing ability to turn drywall and vinyl siding into gold. Those who buy property hoping to get rich quick should understand the dangers.

    Real estate is a business that comes with huge, expensive complications, ones that can potentially ruin unsavvy speculators. Any back of the envelope calculation of investment return must take into account expenses such as property taxes, insurance, and maintenance.

    Canadian business guru Joe Canavan, founder of GT Global and Synergy Asset Management, looked at the numbers and realized, that over the last 25 years, the S& P TSX Composite Index was up by about 325%, while during that same period, the average home price across Canada increased about 200%. That said, buying a house has been for generations a kind of forced saving plan for undisciplined investors it might not be the absolute best investment, but without that monthly mortgage payment, they might not have saved anything at all.

    Article Contents15 min read

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